Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$427,650Cash toward the purchase price.
Closing costs + prepaids$14,725Not just lender fees.
Before credits & paid funds$442,375The complete starting cash picture.
Estimated remaining funds due at closing
$442,375No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$427,649.58
Your down payment$427,649.58
Closing costs + prepaids$14,725.31
Total buyer cash needed$442,374.88
Remaining funds due$442,374.88
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,398.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,245.50
Prepaid interest, first (30 days)$606.81
Fees + prepaids$14,725.31
Your down payment is the seller’s equity. You take over the $212,150 balance, so the rest of the $639,800 price is paid at closing. A second mortgage can cover part of it. $442,374.88 is due at closing. Uses and sources reconcile at $654,525.31 each. Not a Closing Disclosure.